The FCA’s announcement it will cap the cost of rent-to-own goods from 1 April 2019 will help the hundreds of thousands of people who use the high-interest agreements, Citizens Advice says.
The charity helps approximately 5,000 people a year with rent-to-own issues. It has also welcomed the decision by the regulator to place restrictions on other charges, including late payment fees.
Last year, research from Citizens Advice found that people who were at the time signed up to a rent-to-own agreement could save £62 million over the payment period on 245,000 products if a cap was enforced.
Gillian Guy, Chief Executive of Citizens Advice, said:
“This cap, which we’ve campaigned for, is a win for those struggling with the runaway costs of rent-to-own agreements. We’re delighted it will now be introduced.
“The FCA has recognised the massive harm caused by the crippling interest rates on rent-to-own deals. This cap will stop people from paying over the odds compared to similar products on the high street and falling into further debt when costs spiral out of control.
“Our evidence has repeatedly shown well-designed caps can reduce the harm high-cost credit can cause. Where these credit products cause more harm than good, for example doorstep loans, the FCA should move to introduce similar protections.”
The following notice has been issued by the Food Standards Agency:
Lidl is recalling Mister Choc Choco & Caramel Bars, six-pack because some bars have been packed in incorrect packaging. Some packets labelled as Choco & Caramel bars may contain Caramel Peanut Bars which contain peanuts which are not mentioned on the label. This means the product is a possible health risk for anyone with an allergy to peanuts.
Mister Choc Choco & Caramel Bars, six-pack
Pack size: six-pack
Batch code: all batch codes
Best-before date: January 2020
No other Lidl products are known to be affected.
This product contains peanuts making it a possible health risk for anyone with an allergy to peanuts.
Action taken by the company
Lidl is recalling the above product from customers and has been advised to contact the relevant allergy support organisations, which will tell their members about the recall. The company has also issued a point-of-sale notice to its customers. These notices explain to customers why the product is being recalled and tell them what to do if they have bought the product.
Our advice to consumers
If you have bought the above product and have an allergy to peanuts, do not eat it. Instead return it to the store from where it was purchased for a full refund.
Contract: Initially 12 months Fixed Term contract (subject to funding)
Salary: £17,000 (pro-rata)
Hours: 3 full days (7.5 hours) per week. (Part-time)
An exciting opportunity has arisen for two Generalist Advisers to join Citizens Advice Ipswich’s new ‘Connect for Health’ team, which will be providing generalist advice to clients through appointments in General Practitioners surgeries throughout the Ipswich area. The roles will be based in the Ipswich area and report to the Outreach Manager.
As an Outreach Adviser you will be working in GP surgeries throughout Ipswich, providing advice, help and support to clients referred to you by medical professionals. You will be part of an emerging team and will have the opportunity to help shape the new service provision ensuring that the high standards of Citizens Advice and our values and aims are delivered in a timely manner.
You will be a confident, self-driven and self-motivated individual with recent experience as a trained generalist adviser or have the ability to undertake intensive training to reach the required standard within minimum timescales. You will have excellent communication skills and be able to self-manage your workload and time. You will have a passion for making a difference in the communities where we have a presence by providing a top quality service for the people of Ipswich.
If you feel you have the relevant experience and would like to become part of this dynamic team please contact our Office Administrator – Administrator (Tel: 01473 219770 or via contact form on this site) for an application form.
If you would like to talk about the roles and where they sit within the Ipswich office please contact Nelleke van Helfteren Deputy Manager (Tel: 01473 219772) or Sally Oakley Outreach Manager.
Closing Date: Friday 8 March 2019
Interview Date: Thursday 14 March 2019
ALLERGY ALERT ~ 2019-02-13
CHC40x20 Choc Orange Chase Single Bars with best-before dates of 28/07/2019 and 09/09/2019.
As a precautionary measure we are recalling the above product and date codes as they require a ‘May Contain Sesame’ declaration which is not on the packaging.
Any customers who have an allergy to sesame should not consume this product and return to Real Handful for a full refund. No other Real Handful Choc Orange Chase date codes are affected by this recall.
We apologise that it has been necessary to recall this product and the inconvenience caused.
For more information please contact:
Bramhall Moor Lane
Today Sally Oakley from Ipswich Citizens Advice commenced the first GP outreach service at Burlington Road Surgery. This is part of the CCG’s Social Prescribing Project called ‘Connect for Health’. Citizens Advice Ipswich will be placing an Adviser in every GP surgery throughout the Ipswich area during 2019. Appointments will be made via the surgery for the day (s) that an Adviser is present for help and support with the problems they are facing. Citizens Advice will also be providing a Community Connector who will provide extra help to improve people’s lives.
Contract: Permanent subject to probation period
Hours: 37 per week (Monday – Friday) occasional out of office hours (Job share considered)
Closing Date: 19 February 2019
Interview Date: 28 February 2019
An opportunity has arisen to employ an experienced Administration Officer to support Citizens Advice Ipswich with its daily administrative duties.
This vital role supports all aspects of the business, the clients, volunteers and staff; duties will be wide and varied and include, maintaining and updating information, supporting volunteers in daily duties such as confirming appointments, letter writing, equipment ordering, scanning, event organisation and much more.
You will be joining a dedicated team providing a quality service to the people of Ipswich. A positive and ‘can do’ attitude is of utmost importance to our organisation. Computer literacy is essential, alongside excellent communications skills. You will be a good team worker and be able to demonstrate competent Customer service skills.
For application forms please contact: Vicki Parish – Administrator
(Tel: 01473 219770 or via contact form on this site)
For informal discussion please contact: Nelleke van Helfteren Deputy Manager
(Tel: 01473 219772)
Address: 19 Tower Street
Childhood poverty in our region is no longer the curse of the unemployed with more and more working families struggling to make ends meed.
More than two thirds of children living in poverty in our region come from working families.
Charities blame benefit freezes, rising living costs, zero hour contracts and the Universal Credit system.
Here is a link to an About Anglia report on the subject in which we feature:
Child Poverty in East Anglia
Contract: 9 month Fixed Term initially – subject to funding
Salary: £15, 796 pro rata (£8.21 per hour)
Hours: 15 hours per week
Closing Date: 25 January 2019
Interview Date: Friday 1 February 2019
Citizens Advice Ipswich is looking to recruit a ‘Community Connector’ to assist clients to enabling them to be able to navigate statutory systems, organisations and use facilities in the community effectively.
In this busy role you will be responsible for supporting the clients in the GP surgery who need additional help and support to build their confidence in navigating both statutory bodies and the local community. This will involve on occasion taking Client’s to different locations around the Ipswich area. The role will monitor the Wellbeing of Clients via the Warwick and Edinburgh Wellbeing Score and maintain an up-to-date catalogue of all the groups and organisation within the Ipswich and surrounding area that assist with people’s general wellbeing.
A friendly disposition and computer literacy are essential alongside good communications skills. You will have responsibility for handling personal data and the integrity of IT systems, so it is essential that you have an eye for detail.
The ideal person will be enthusiastic and customer-focused. You will have the ability to identify and support clients’ needs and be able to build their confidence; therefore excellent communication skills and patience are a must. You will have a passion for making a difference in the communities where we have a presence by providing a top quality service for the people of Ipswich.
For job descriptions and application forms please contact: Vicki Parish – Administrator
(Tel: 01473 219770 or via our contact form on this site)
For informal discussion please contact: Sally Oakley – Outreach Manager (Tel: 01473 219770)
Address: 19 Tower Street, Ipswich, IP1 3BE
Suffolk County Council has told Citizens Advice charities operating across the county that it is proposing to halve and then withdraw its funding support. The full council will vote in February on the proposal. Suffolk County Council funding was worth £375,000 to Citizens Advice across Suffolk during 2017/18.
Citizens Advice is already a cost-effective service. Last year, the work done in Suffolk by our 425 volunteers was officially valued at more than £2.4 million. In 2017/18 they helped people write off £7.8 million in debt. National research shows that for every £1 invested in Citizens Advice in Suffolk we generated at least £3.52 in savings to government and public services and £20.84 in wider economic and social benefits.
What would this mean?
This would lead to a significantly reduced service for people in Suffolk. The number of staff and volunteers available to give advice would have to be drastically reduced. The volunteer advisers provide quality assured advice on a wide range of issues such as debt, disability benefits, housing, employment and relationships.
In a joint statement, the Chief Officers of Citizens Advice in Suffolk said:
“We are local charities and we rely on local support. The funding we receive from Suffolk County Council enables us to make a real difference in the lives of people across the county and we are very grateful for that. Our top priority is always the people who need us. The number of people we see continues to grow and our dedicated team of staff and volunteers is committed to serving them. If agreed, these cuts would be a significant reduction in our budgets and will lead to difficult choices. We will work closely with our partners, staff and volunteers to make the best decisions we can in the circumstances.”
What can you do?
We are asking everyone in Suffolk to sign and share a petition against the cuts. Go to https://you.38degrees.org.uk/p/citizensadviceinsuffolk to sign the petition.
Please share the petition with friends and family, by email or social media.
As well as signing and sharing the petition you can help by: